Yes, it's tough to restrict yourself to just one of those options.
And, truth is, when it comes to choosing your retirement destination, you often have to make these kinds of choices and compromises--sacrificing good infrastructure for affordable beachfront, for example, or first-class health care for a back-to-nature experience...

Often, but not always...

You see, there's one little place I know that offers everything on my list above... and much, much more, as well. As for now, this country qualifies as one of the best places in the world to hang your hat. It's also a tax haven, a banking haven, and a top investment haven.

Life is sweet in this beautiful,
English-speaking safe haven...

I'm talking about Belize-the under-the-radar, sand-fringed country in the Caribbean that you rarely hear any news report about... but that has so much to offer the foreign retiree and investor.

Belize doesn't make for sensational press. The global media is more interested in reporting on collapsing markets and corrupt, ineffective governments than a country that's managed to avoid crisis, economic and otherwise, and that boasts probably the most stable banking system in the world right now.

Belize isn't bothered. It understands the advantages of a low profile... as do the people who choose to call this beautiful, English-speaking country home.

Belize is a place where you can:

Own a slice of beachfront from as little as US$28,000 (a fraction what you'd pay for the same Caribbean view in St. Lucia or the Bahamas, for example... and, you'll have far less competition in sunny Belize for a place to stretch out on the beach)...

Choose to live on the mainland coast, on one of the cayes, or inland in the lesser-known and fascinating Cayo region that's recently been catching on... no matter where you decide to settle, you'll enjoy a warm climate and plenty of sunshine year-round...

Buy a 3,200-square-foot estate home, with a 1,300-square-foot guesthouse on the property, for just US$125,000... or a brand-new two-bedroom home in San Ignacio (a charming off-the-radar riverside town where life is sweet and simple) for less than US$50,000...

Be surrounded by nature--from the second-largest barrier reef in the world to Mayan ruins and tropical jungle and rainforest... all unspoiled and ready for your adventure...

Enjoy a completely different culture in the English-speaking world. Often the hurdle of mastering a new language can be reason alone to rule out an otherwise perfect retirement option. With English as the official language of Belize, this complication is removed...

Have an extraordinary lifestyle (living at the beach, eating out regularly, making new friends among the welcoming local community, enjoying the pastimes you never had enough time for back home) on a budget of less than US$1,350 per month... that's less than the average Social Security check...

As a Qualified Retired Person (QRP)-Belize's retirement residency program that allows you to "retire" here as young as 45 years of age--bring your household goods... and even your car or a motorboat... duty-free...

"No Regrets. Not A One!"

"'Do you have any regrets about moving to Belize?'
That's the question Helena and Mike Hess from San Francisco are most frequently asked by their neighbors in Ambergris Caye, as well as by family and friends back home.

"Without hesitation, my husband Mike and I answer, 'No. No regrets. Not a one,'" says Helena.

"The folks back home often find it baffling that we could be as happy-in fact, happier-living here in little San Pedro Town than we were living in the San Francisco Bay Area.

"Initially, we invested in property on Ambergris Caye because of our love for the Caribbean Sea and the laid-back tropical lifestyle on this island. Even today, years later, we're still thrilled to be surrounded by so much beauty, color, and nature.

"But there's another attractive aspect of daily life on Ambergris Caye that kept drawing us back to this low-key Caribbean retreat: The people and the strong sense of community we perceived here from the start. I'd never experienced anything like it before. In a big metropolitan area, like the San Francisco Bay Area where we were living, one can easily feel lost in a sea of bodies. It's difficult to get to know your neighbors.

"On my first return trip to Ambergris Caye, I was greeted again and again by people who remembered me from the prior year! Everywhere I went, on the beach and around town, people recognized me and reacted as though they were seeing a long-lost friend... even though I'd met them only once before! It was a revelation for me. I seemed to have more friends in San Pedro than in California, where I'd been living for so long.

"I find it comforting, at this time of economic and political upheaval and uncertainty worldwide, to live in a place where everyone knows me and my husband, where we are part of a happy, contented community of people who are not worried over their futures because they have taken control of their futures. We're all here building new lives together. We lend a hand to help each other any way we can. We all look out for one another..."

Take Control Of Your Life

Helena and Mike aren't alone in these sentiments. We hear the same message of delight and confidence in their decision from everybody we talk to who's made Belize part of their lives, from expats and retirees who've settled all over this country... in Ambergris Caye and the Cayo, in Corozal and Placencia, and everywhere in between.

It's easy to understand why...

A warm climate... an affordable cost of living... lifestyle options from sandy beachfront to quiet inland retreats... an English-speaking community that's most welcoming of foreigners...

Plus safety... stability... privacy...
independence... freedom... these are the advantages that Belize holds out to the would-be retiree, expat, and investor.

If these things appeal to you as much as they appeal to me, then I'd like to invite you to act sooner rather than later to make Belize part of your life... and to act with our help. This is an opportunity to leverage our long experience and the extensive infrastructure of resources and contacts we've developed in this country over nearly two-and-a-half decades of spending time and doing business here.

Specifically, I'd like to invite you to join us as a member of our Belize Circle, a VIP organization that can make it possible for you to realize all your dreams of a new life in this top offshore haven as quickly, as easily, and as efficiently as possible.

This is a unique opportunity to take advantage of a unique package of benefits to help you save time, money, and needless frustration... accomplishing whatever it is you'd like to accomplish in this frontier of adventure and potential.

With the Belize Circle, launching your new life in paradise isn't hard work... it's turn-key.

Think of this as your new life in Belize... in a box. All the advantages and benefits for your taking... all the hassle, struggle, and effort assumed by us.

Become part of my Belize "circle of friends"

You know that once you make the decision to move overseas, many challenges lie ahead. You've got to think about residency issues... health care plans... renting or buying property in an unknown country... how to fund your new adventure overseas... what you need to pack...

For some people, the practical, administrative aspects associated with making this kind of move can become overwhelming... sometimes so much so that these would-be adventurers just give up on their dreams altogether.

Please, don't let that happen to you. There's no reason not to realize every agenda, every fantasy you have of living, investing, or retiring in Belize.

Not when the top Belize experts you'll find anywhere are standing by to offer their full assistance on the ground.

As a member of our Belize Circle, you'll have access to all the resources you'll need to make and execute your own custom Belize Plan.

Then, you'll continue to enjoy all membership benefits (I'll walk you through them in a moment) for life. We'll not only help you formulate your Belize Plan, but we'll also walk you through it, holding your hand every step of the way as you move from dream to reality.

That's our promise to every Belize Circle member: All the help and support required to realize your Belize Plan, whatever it is... and then ongoing and continued support throughout the lifetime of your Belize adventures!

Paradise Made Easy

Nowhere else could you find this level of personal Belize service coupled with such generous Belize discounts, perks, special benefits, and privileges.

We call it "Belize In A Box"... paradise made easy.

Specifically, here's what you'll enjoy as a member of the Belize Circle:

Benefit #1: Free Attendance At
Live & Invest In Belize Events

If I were to offer one piece of advice to any would-be expat, looking at any country in the world, it would be this:

Before you can decide one way or the other about a place, you've got to wander the streets, walk the beaches, hike the hills, speak with other expats who've already made the move, and, critically, have all your questions answered by reliable experts with first-hand local knowledge and experience.

Sand-fringed Belize is blissfully removed from the worries and concerns so much of the rest of the world is struggling through right now...

That's what Live and Invest Overseas conferences are all about. First, these in-country events are designed to give you a chance to get a first-hand feel for a place.

At our events, you have time around the busy conference schedule to take a scheduled excursion... to wander off down the beach for a stroll... to explore the reef with your snorkel or dive gear... to get a taste of the local cuisine and culture... to get out to see what there is to see and to get to know the folks who would be your new neighbors.

Second, our in-country events are a chance to meet experts and expats who've already taken the plunge, who can answer your questions and share their personal anecdotes about what to expect as you prepare for your own adventure. This kind of insider advice from those who've already been there and done that is invaluable.

Over the course of our three-day events in Belize, you'll have the chance to:

Narrow your options and decide which part of Belize best fits your lifestyle dream (the Cayo, the coast, the islands, etc.)...

Meet expats who live here both part- and full-time, all willing to share their stories, good and bad (remember, no place is perfect, and we want you to understand the minuses as well as the pluses)...

These events are your chance to hear from the experts about medical care and health insurance in Belize... about real estate purchase and rentals... property title insurance... options for obtaining a visa and particulars for qualifying for the country's QRP program... opening a bank account... shipping your household goods... receiving mail as a Belize resident... everything right down to having the electricity turned on in your new home, arranging for cable TV and a cell phone, and furnishing your new Belize digs...

As a Belize Circle member, you'll enjoy our full support over the lifetime of your Belize adventures...

Plus, we'll walk you through a detailed and fully itemized budget for living in Belize, both as a property owner and as a renter. In fact, we'll present you with more than one budget, for your cost of living on Ambergris Caye, for example, would be quite different from that out in the Cayo.

We'll also make sure you have plenty of time to mix and mingle one-on-one, during cocktail receptions and over poolside lunches, with both the speakers and your fellow attendees. These private introductions with like-minded folks and those whose footsteps you're considering following... these alone are worth the price of admission and can often prove the most important benefit of the entire event.

Remember, as a Belize Circle member, you'll have the opportunity each year, over the lifetime of your membership, to attend every single Belize annual event we hold free... both you and a guest.

Join us at our next event in Belize City... and, then, again, as often as you like in years to come... all at no charge.

Who knows... Down the road, after you're a full-fledged Belize resident yourself, we might invite you to attend the conference as a speaker... so that you can share your own Belize adventure tales with attendees!

The cost of admission for these events is US$1,095 if you're attending alone-or US$1,595 if you bring a friend or spouse along. Which means, if you avail of your free entry to our Belize events once a year for 10 years (and bring a partner each time), the total value to you of this Belize Circle member benefit is US$15,950!

"For Anyone Considering A Move To A New Country, Your Event Should Be On Their 'Must-Do' List..."

Mike and I would like to take this opportunity to thank you so very much for the recent Live and Invest Conference. Our minds are still reeling with all of the information presented to us.

"All of the presenters were very knowledgeable in their respective fields, and we so enjoyed talking with other expats-in-waiting. Mike and I live in the snowy part of Washington State. Last winter was very snowy and cold. Needless to say, we would rather be someplace sunny instead!"

"Thanks again for all of your hard work in putting together the Conference. For anyone considering a move to a new country, your event should be on their 'must-do' list.

- Diane D., United States

Benefit #2: Never Miss A Conference Even If You Can't Be There In Person

We hope, of course, that, as a Belize Circle member, you'll join us often for our Live & Invest in Belize Conferences.

However, if, for whatever reason, you can't be with us in person, you don't miss out.

We'll bring the information, the recommendations, the insights, and the discoveries of every Live & Invest in Belize event held during your Belize Circle membership, direct to you.

We record every conference we hold. And, when you're a Belize Circle member, we'll send you the audio recordings from each year's Live & Invest in Belize Conference, along with all the PowerPoint presentations and other materials from all speakers participating in the event. All these materials will be archived on your Belize Circle members-only website, where you'll be able to access them anytime you want... as often as you like.

Even when you have made it to Belize to participate in the live event, you may find yourself wanting to access these archives to recap on a certain presentation and to remind yourself of important particulars.

This is a benefit you can start enjoying immediately. As soon as you are accepted as a Belize Circle member, you'll have access (via your members-only website) to the materials from our most recent Live and Invest in Belize Conference, including the audio recording of every presentation at that event.

When we package and sell these kinds of events materials, the price is as much as US$500. So, over 10 years of your Belize Circle membership, for example, this membership benefit is worth US$5,000.

Benefit #3: Free Accommodation In Two Of Belize's
Top Luxury Retreats

When you do make it down to Belize to see this beautiful country for yourself, we'd like you to enjoy some of the best it has to offer with our compliments, as the guest of some of our friends here.

Specifically, as a Belize Circle member, you are invited to stay free for two nights at one... or, indeed, at all!... of these top retreats...

Grand Baymen - On Ambergris Caye, the most developed of Belize's islands, we invite you to come and experience this community. Leave your daily stresses behind as you watch the azure waves crashing on the great barrier reef beyond. The Grand Baymen community incorporates both Baymen Garden (a private condominium community on four acres) and Exotic Caye Beach Resort (an established beach resort that welcomes tourists from all over the world)... not forgetting the San Pedro Fitness Club (the premier club on Ambergris) where you can work out in the gym, play a game of tennis, or take a dip in the swimming pool... all in the heart of friendly, beachside San Pedro Town...

Carmelita Gardens - Carmelita is situated in the fertile Belize River Valley, with rainforest on one side and the Belize River on the other. The property is comprised of 450 acres with more than a mile of riverfront and a spectacular view of the Maya Mountains. Carmelita is flanked by the riverfront village of Santa Familia and the Mennonite town of Spanish Lookout. The developers here have a plan to preserve the 150 acres of rainforest, home to howler monkeys and native fruit trees, on the north side of the property, while incorporating a new village with plenty of room for organic gardens, micro-farms, and community agriculture. It's an opportunity to explore yet another amazing part of this diverse country...

As a Belize Circle member, you enjoy special discounts at Belize's premier private development communities...

Use these as your bases to explore different regions of Belize... while relaxing in style and savouring the Belizean pace of life.

In addition to offering guest accommodation, these resorts are private developments with opportunities for part- and full-time living. In some cases, expats and retirees are already in residence, meaning you could have the chance to meet with others just like you who have already settled here and already launched their Belize adventures. Maybe you'll even decide you'd like to come back to one of these beautiful settings as a resident yourself... (If so, be sure to avail of your special Belize Circle real estate purchase benefit - see Benefit #6 below!)

Again, as a Belize Circle member, you qualify for complimentary stays of two nights at each of these top resorts. Taking into consideration the daily rate at each of these developments, this benefit alone could be worth a total of US$600...

This is our first time negotiating and offering this kind of an accommodation benefit in any country--and I hope you're as excited as I am that we've been able to make this part of our new Belize Circle package.

Benefit #4: Access To Everything We Publish On Belize... Now And Forever!

As a Belize Circle member, you'll have instant access to our complete library of Belize publications. Right now, this includes:

Our "Live and Invest in Belize Manual," written by Amma Carey, a four-year expat in this country. This is a US$79 value...

Our special Overseas Haven Report on Belize's Cayo District, one of our favorite spots in the country, offering perhaps the most affordable retirement lifestyle in Belize right now. This is a US$9.95 value...

"Retire At 45 In Tropical, Tax-Free Belize," our special report on Belize's QRP retirement program, detailing why this is one of the top three retirement residency programs in the world right now. This is a US$9.99 value...

Our "44 Things You Must Know Before You Relocate, Retire, or Invest Offshore," the nuts-and-bolts support you need to plan your adventures in Belize with confidence. This is a US$29 value...

Once your Belize Circle membership application has been accepted, you'll be sent details for how to download each of these reports, so you can start familiarizing yourself with all that this country has to offer and formulating your own, customer Belize Plan.

However, that's only the start. This benefit, like all Belize Circle benefits, continues for a lifetime.

That's right. Any Live and Invest Overseas publishing product that relates to Belize will be yours, whether we publish it now, next year, or years from now. Once it's hot off the presses, you'll be sent the details by e-mail for how to enjoy full access. Every edition of every Belize product published over the lifetime of your Belize Circle membership.

Even when you're settled in Belize, these timely reports from our Belize team of expats and experts will continue to provide insights, recommendations, ideas, tips, discoveries, and opportunities that you wouldn't otherwise be able to access.
It's difficult to put a price on this, because this is a membership benefit that not only continues, but also expands. We're always growing our publications library, publishing new books and reports all the time.

Extrapolating based only on what exists today, however, this bundle of Belize resources has a total value of US$127.94. Each of these products is published in a new edition each year. Over 10 years, that's a total value to you of US$1,279.40...

"Your Package Is So Thorough, We Had No Questions After..."

I have been fascinated and in love with Belize for about 10 years and needed the info regarding the logistics of moving and doing business there. I have to say your Belize package is so thorough, we had no questions after. Just a great plan to investigate properly and find out that, yes, Belize is the place for us... Thank you so much for your publication and insight.

- John and Lucy P.,
United States

Benefit #5: First Notice Of Special Deals On Belize Real Estate Opportunities

My husband, Lief Simon, our resident international real estate expert, and I have been paying attention to the Belize property market for many years and have established relationships and friendships with many on the inside track of the local property scene here. As a result, we hear things before others do, and we're often the first to learn of important new deals and investment opportunities.

Lief writes of these opportunities for his Global Property Investor's Marketwatch members. Now he'll share them with you, too.

As a Belize Circle member, you'll be on Lief's short list... the list of

friends, colleagues, partners, and members he alerts to the best deals in key markets as soon as they cross his desk.

Recently, Lief has been the first (and even the only) to learn about and report on...

Home sites at Carmelita Gardens, with a view of the spectacular Maya Mountain, available for as little as US$25,200 (including a special 10% discount for those on Lief's private list)...

A current opportunity to participate in a private island investment... Belize Circle members will be the first (and perhaps the only) ones to hear about this special deal...

These special offers are usually limited-the developer may have just a handful of lots available for these kinds of special offers. And, certainly, the best inventory is available to those who get in first.

Again, as a Belize Circle member, you're ahead of the game. With the kind of properties we're talking about, it wouldn't be unheard of for the special deals to sell out among Belize Circle members alone... and never make it to the rest of our readership.

If you were to avail of just one special property deal during your Belize Circle membership, the savings to you could amount to tens of thousands of dollars... and the potential for profit could be even greater...

When I first visited Belize more than 20 years ago, resort and real estate developments (at least, as we typically think of them) didn't exist. The jungle lodge where I stayed during my first few visits had no electricity and no telephone. We enjoyed rum drinks beneath the stars on the open-air deck bar each night... then retired to our un-air-conditioned, thatched-roof cabanas...

Belize today is a different story. You can still find plenty of back-to-nature experiences, if that's what you're looking for (and this ability to leave the developed world behind is one of the most appealing things about Belize, I'd say). However, today it's also possible to live a fully appointed 21st-century lifestyle in Belize... while enjoying a view of the lapping Caribbean or a rainforest-covered mountainside from your bedroom window.

Belize today is so appealing and life here can be so comfortable... that, once you've experienced it, you might want to invest in a little piece of Belize all your own.

If you do, as a Belize Circle member, you'll qualify for special, member-only discounts at key resorts and developments across the country, including opportunities for purchasing land, beachfront lots, even fully turn-key condos at special pricing. Specifically, you'll save 2.5% off your purchase price. And, like all your Belize Circle benefits, this one extends for your lifetime and can be used anytime, whenever you're ready to act.

In addition, the discount is not once-off. If you decide to make more than one buy at the communities included in this program, you enjoy the discount with each and every purchase.

Right now, for instance, you could use your Belize Circle property purchase discount to own:

A home site in the Cayo District (surrounded by lush rainforest, freshwater rivers, and close to the largest underwater cave system in the Western Hemisphere)...

A one-, two- or three-bedroom condo (of up to 750 square feet) in a modern development with lots of on-site amenities, close to San Pedro Town...

This is just a sample of the kinds of savings you could enjoy with your Belize Circle Property Purchase Discount.

Were you to use your special Belize Circle Property Purchase Discount to buy just one piece of real estate in this country, you could save thousands of dollars... even tens of thousands of dollars! Plus, you can use your Belize Circle Property Purchase Discount in conjunction with any other special offers we make available during your membership (for example, the kinds of insider deals I mentioned in Benefit #5)...

Belize boasts a rich and interesting Mayan connection...

Benefit #7: Free One-To-One Consultation With A Top International Tax Attorney And Offshore Expert

At some point as you work to realize your Belize Plan, you're going to want professional legal counsel. As you prepare to launch your new life and adventures in this country, you'll have questions that can't be answered reliably by searching the web or just asking around...

I'm talking about things like your tax situation and obligations living and investing in Belize... your options for establishing foreign residency and how to apply and qualify for them... how to organize your financial affairs (opening bank accounts, getting money in and out of the country, etc.)...

These are issues that require expert help, not google searches or random tips.

As a Belize Circle member, you will be eligible for an hour of free consultation time with one of the most respected, most experienced Belize experts anywhere, Joel Nagel.

Joel is a U.S. tax attorney who's been helping Americans take their assets offshore and relocate overseas for almost two decades. And Joel is focused on Belize as a preferred, top offshore jurisdiction.

Joel's a regular speaker at our live events. He's up-to-date on banking, taxation, residency, citizenship, and business opportunities in Belize. He's the man I trust most when it comes to these important issues, especially in Belize.

Any time during your membership, you can arrange to consult with Joel. This one-hour complimentary consultation can take place over the phone or in-person (at one of our Belize events, for example).

If you were to arrange for this type of one-to-one meeting independently, the cost would be US$500. However, Joel has kindly agreed to waive this fee for Belize Circle members...

Why Belize Is One Of The World's Top Offshore And Tax Havens

You don't want to organize your new life overseas around tax code. And, most of the time, protecting your wealth and planning a new life overseas are separate strategies. But there are times when the two agendas can converge.

That is, it can be possible to relocate to the Shangri-la of your fondest daydreams... while, at the same time, reducing your tax burden, maybe to zero.

This is the case in Belize-a country that rolls out the welcome mat, not only offering significant benefits for foreign residents, including seriously appealing tax advantages, but also making it easy for you to become a foreign resident in the first place.

Belize, in fact, is one of the easiest places in the world to become a full-fledged, legal foreign resident. You don't even have to live in the country full-time. One month per year is all it takes to qualify. You don't have to be of "retirement" age either. Belize rolls out the red carpet if you're 45 or older.

Neither do you have to make any large, lump-sum capital investment. And, as a full-fledged Belize resident, there's something else you may not have to do... ever again-that is, pay taxes. Neither to the Belize taxman, nor, if you're an American, to Uncle Sam back home.

And, if you thought Belize was just for retirees, divers, and back-packing sun-worshippers, it's time for a closer look. There's a lot more to this little Caribbean state...
When you hear talk of offshore accounts and international banking centers, places like Austria, Liechtenstein, and the Cayman Islands may spring to mind.

But an offshore account in Belize? Not something you'll see touted in the advertising pages of your glossy in-flight magazine.
Yet, in terms of banking safety and stability, Belize is in a class of its own. Belizean banks must maintain a government-imposed liquidity rate of 24%-that's simply unheard of anywhere else in the world. And it's how Belize managed to escape the recent financial meltdown that shook the rest of the global banking industry.

Furthermore, you can open a bank account in Belize easily. You don't even have to be physically present in the country. You can open an account long-distance (via phone, fax, and e-mail), and, at our preferred bank, there is no minimum deposit imposed.
If you're interested in availing of offshore opportunities in Belize, Joel Nagel (see Benefit #7) is the man to help...

Benefit #8: Your Dedicated Belize Circle Member's Liaison

When you're preparing for an international move-and maybe, even more so, once you've taken the leap and are getting your bearings in your new home-you'll come up with all sorts of questions... some to do with big issues like acquiring residency, shipping your household goods and personal belongings, shopping for a home to rent or to buy, and choosing health insurance... as well as others to do with everything from where to buy a new car to how to get a local driver's license... from how to choose the best cable/internet plan to where to shop for living room furniture for your new house... from how to find a reliable plumber or carpenter to how to make friends and get involved with your new community...

With any move, you face many challenges, many questions. With an international move, the challenges can be even greater.

Wouldn't it be nice to have someone to turn to for help every time you weren't sure where to go or which way to turn?

Please allow me to introduce Phil Hahn, your dedicated go-to guy on the ground in Belize. Phil first came to Belize in 2003 to inspect 115 acres of land on the northern coast, which he had under contract. He fell in love with the people and the country and immediately purchased the parcel. With a lifelong passion for architecture, Phil designed and founded one of the country’s most successful new developments on the property. Over the years he’s been through all of the necessary red tape involved with establishing businesses... permitting development and construction... finding a home... getting utilities hooked up... opening bank accounts... developing friendships with grocers, restaurateurs and hoteliers...

In addition to his first development, Phil has consulted on several other real estate projects and is currently developing a sustainable off-grid community in Cayo near San Ignacio and the Mennonite community of Spanish Lookout.

Phil is even a Past President of the American Chamber of Commerce Belize.

Whatever's happening in Belize, Phil and his broad network of family, friends, and colleagues know about it. Whatever you want to do in Belize, Phil will know how and who can help.

When you join the Belize Circle, you'll be given a contact telephone number and a private email address direct to Phil. You'll enjoy unlimited access to our dynamic Belize liaison throughout your entire Belize Circle membership.

Whether you're looking for a reputable in-country attorney... specifics on what documents you'll need to open a bank account... where to find the freshest seafood at the best price... or details of local events (did I mention, as a member of the Royal British Legion Phil met Prince Harry at a private reception, a uniquely Belizean experience), Phil is standing by always to help.

We offer a similar service in Panama, where Panama Circle members rate their dedicated in-country liaison as the most valuable Panama Circle membership benefit of all.

It's also the most difficult to quantify. How much is it worth to have a dedicated resource as experienced and as connected as Phil is in Belize? Impossible to say.

I can tell you, though, from personal experience, that relocating to a new place is enormously easier, more pleasant, and less costly when you have reliable help on the ground.

We're Talking The Real Belize, Warts And All

If you're starting to think that all of this seems too good to be true... that surely there must be some downsides to living, investing, and retiring in Belize... then you're right. No place is perfect... including Belize.

Take the language, for instance. Yes, English is the primary language in Belize-a huge plus. But that doesn't mean that you and Belizeans communicate in the same way. Yes, they speak English. But they think and respond literally. At times, as a result, you may think they are misleading you. But they're not. They're giving you the response they believe you're looking for. With some practice, you'll learn to keep your communications with them simple and specific.

Once you're aware of the downsides and prepared for the challenges, you'll find that they're a lot less frustrating.
Part of our service to you, as a Belize Circle member, is to make you aware of these pitfalls... and to help you navigate them. You'll experience this honest, tell-it-like-it-is, warts-and-all approach in everything we do, from our publishing products to our live events and the interactions you'll have with Phil Hahn, your in-country liaison, and all the Live and Invest Overseas staff.

This is part of the promise we make with every service we offer.

Benefit #9: Access To Our Live and Invest Overseas Group Bupa International Health Insurance Policy

This is a one-of-a-kind benefit, available nowhere else outside our group.

Arranging health insurance in your new country of residence can be one of the most important and confusing issues you'll face as you prepare for your new life overseas. The options are many.

What's best for you? We can't say, of course. However, I can tell you that the international health insurance Lief and I have chosen to carry since we left the States more than 15 years ago is with Bupa International.

Why Bupa? We consider it the best international health insurance available. Among its benefits, Bupa provides:

Complete global coverage, making this the best choice if you intend to divide your time in retirement among two or more countries or if you plan to travel regularly...

Plans that can include coverage in the United States...

More than 5,500 participating hospitals and clinics worldwide...

The option in many cases for paying your hospital bills direct, saving you the out-of-pocket expense and the hassle of chasing down reimbursement...

A 24-hour hotline, where your call is answered by multi-lingual staff...

Coverage that includes emergency evacuation and repatriation services...

In addition, Bupa's rates are very competitive relative to other international insurance options. In fact, your Bupa International coverage could, depending on your age and country of residence, cost less than Medicare. And, unlike Medicare, your Bupa policy will follow you wherever you travel. You can even arrange a policy (yes, at a greater cost) that will cover you not only in Belize but in the United States, as well (ideal if you're considering dividing your time between the two countries and establishing a part-time presence in Belize).

As I said, we've been sold on Bupa International since we left the States. And the more research we've done, the more convinced we've become that this is the gold standard for international health insurance.

Now, thanks to the Live and Invest Overseas Group Policy we've negotiated with Bupa International, all Belize Circle members will enjoy a 10% discount off the cost of their Bupa coverage.

Your cost of coverage will depend on your age, your country of residence, and your personal health circumstances. An average premium cost for someone aged 65 or older can be US$2,500 per year, meaning your member discount would be US$250 per year-or a total savings of US$2,500 over 10 years of your membership...

Benefit #10: Invitations To All VIP Events, Including Exclusive Meetings, Receptions, And Teleconferences

When you're accepted as a Belize Circle member, your name is immediately added to our list of "VIP" readers. This means you're invited to join us for every VIP event, meeting, cocktail reception, teleconference, etc., that we offer, not only in Belize, but anywhere.

At every conference we hold, anywhere in the world, we include at least one private VIP reception. In addition, at every conference, we set aside a private room for use by VIP attendees only. This is a place where you can check your e-mail (using the computer we provide), have private conversations with speakers, meet to chat with fellow attendees, or sit down with a member of the Live and Invest Overseas staff to review your questions and seek some one-on-one guidance.

As a Belize Circle member, you'll be invited to join us, as our guest, for every VIP reception... and you'll be welcome to make full use of our VIP lounges.

In addition, we also host monthly special opportunity teleconferences for VIP members. Again, as a Belize Circle member, you're invited to be on the line for these conversations and will be sent notice of each call in advance, along with details of how to dial in to participate.

We'll be holding a private VIP party at our next Live & Invest in Belize event in Belize City... and we'll hope to meet you there!

Live Your Ultimate Retirement!

Remember the question I asked you at the beginning of this letter...

What is it that you most desire for your retirement? What is your fondest retirement daydream?

Are you looking for...

A quintessential Caribbean lifestyle, with year-round sunshine and warm water, far from the financial worries we're all facing right now...

A chance to stop working (no matter your age) and to live comfortably on a limited budget...

Escape to a mostly untouched, back-to-nature part of the world where traditional family and community values are still an important part of everyday life...

A new place to start the business you've always dreamed of--in a country boasting not only the latest technology but also strong tax and other offshore advantages...

If any (or all) of these things describes your ideal retirement... then this is your ticket.
Belize, as I've explained, offers all of these advantages and benefits... and many more...

Belize is a special place... that makes more sense right now than ever...

"We watch the news here each evening, and we know what's going on out there. It's not that we've got our heads stuck in the sand. It's that we choose a different reality."- Mick Flemming

"My move to Belize has been a remarkable journey. And it's far from over. Every day here is another opportunity for growth and discovery." - Macarena Rose

"A common thread that I've seen among the people of Cayo, expat and Belizean alike, is the combination of kindness and spirited independence. It is, at first, disarming but soon becomes their most endearing quality."- Phil Hahn

Miles of white sand await you...

If you'd like to be part of this unique little country-whether part- or full-time--this is all the help you need to make that happen. Leverage our two-and-a-half decades of experience spending time and doing business in this little English-speaking land of opportunity. Use our contacts, tap into our resources, learn from our mistakes...

If Belize is on your radar, and you're ready to begin formulating and executing your own Belize Plan, then you'll find membership in our new Belize Circle invaluable.

First notice of special Belize real estate deals and opportunities... ahead of other Live and Invest Overseas readers and often ahead of anyone else, period... (Value: average US$10,000)...

Exclusive discounts on your purchase at special real estate developments-at any time during your Belize Circle membership. (Value: Up to US$10,000 or more)...

Free one-hour, personal consultation with international tax attorney and offshore expert Joel Nagel. Use this for reliable, expert answers to all your taxation, doing business, banking, offshore structures questions, at any time during your term of membership. (Value: US$500)...

However, during this limit-time period of Open Membership, you can join the Belize Circle for just US$3,800. That's a savings of more than 20% off the regular cost of membership.

And, in addition, right now, during this period of Open Membership, we're also making it possible for you to become a member without paying the full membership fee up front, all at once.

Our flexible Open Membership payment plan gives you the option to secure your Belize Circle lifetime membership by paying just US$1,800 down... and then paying the remainder of your membership fee in 10 monthly installments of just US$200... After those 10 months, that's all you'll ever pay.

Or, pay in full and enjoy a discount of a full US$300 (You'll pay only US$3,500 when you purchase membership in a single payment!).

When you consider what you're buying... the ultimate retirement dream in one of the world's premier retirement havens... I think you'll agree that this is a very special offer at a very special price.

This is a chance to reinvent your life and to launch the adventure of your lifetime... in a beautiful, tropical, English-speaking haven.

It could also be a chance to reduce your tax burden, maybe even to zero. And to protect and safeguard your financial future... and that of your family...

Belize is one of the world's top (and only remaining) offshore, tax, and privacy havens. It's also one of the most appealing places in the world to call home... full- or even part-time...

Register Now To Secure Your Belize Circle Lifetime Open Membership In Time To Join Us For Our Next Live & Invest In Belize Conference

At Live and Invest Overseas, we take our commitments to all our readers-and, especially, to our VIP members-seriously.

That's why, to guarantee a first-rate service, where every member's needs and agendas are addressed in a timely manner, we must limit membership in our new Belize Circle. That's why this Open Membership offer is available to just 12 members.

So, if this opportunity is something that interests you, I urge you not to delay sending in your application for registration.

Admission to the Belize Circle is on a first-come, first-served basis. And, once we reach our 12-member limit, the offer will be closed indefinitely. We can't allow this private group to grow too big too fast. Otherwise, we risk not being able to provide the level of service and support we're promising.

I look forward to welcoming you as a Belize Circle Lifetime Member... and then to helping you to realize every Belize dream you have...

Sincerely,

Kathleen PeddicordPublisher, Live and Invest Overseas

P.S. The Belize Circle is Belize fully figured out and turn-key. And remember, the “Belize in a Box” benefits of the Belize Circle are lifetime:

Free attendance at all Live & Invest in Belize Conferencesand any other Belize events… for life…

Access to every Belize publication in our library, as well as every Belize title we publish in the future… for life…

Two nights free accommodation at each two top resorts in this country…meaning you can spend a total of four nights in Belize as our guest…

A full 2.5% discount off the purchase price of real estate at hand-chosen private communities in this country. This benefit could be worth up to US$10,000 or more for you…